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Text Box: Our Terms of Business In the interest of good business practice and mutual understanding, please find below our Terms of Business Agreement.   Most of the terms and conditions are weighted firmly in your favour, and the rest of them are of mutual benefit. We can only provide you with Financial Advice and Service after we have received a valid agreement from you.   Advice & Service Costs We believe that our charges are both simple and fair... Simple because practically everything costs 1%; and fair because to the best of our knowledge this is about the lowest cost you'll find anywhere from an Independent Financial Adviser. There are some instances where the 1% rule doesn't work - for either party, and in these cases we work on an hourly rate of £55   If you are happy with the arrangements set out in this document, and would like us to help you further, would you please complete and return to us a copy of the Terms of Business Agreement to confirm your acceptance.   Thank you. Text Box: Our Credentials As a Financial Service business we work within a very formalised and regulated industry. This means we must hold various trading licences and authorisations to help ensure the well being of both you as our client and ourselves as your adviser.   We have listed below the licences we hold with the relevant authorities, and a summary of what this means for you. You can click on each of the relevant web-links to view that authority’s site for further information. Text Box: Financial Services Authority: are the consumer watchdog for the regulated sector of the financial services industry. They issue our licence to trade as Independent Financial Advisors, police our industry, and look after everyone’s best interests. Text Box: Office of Fair Trading are the consumer watchdog for the non-regulated sector of the financial services industry. They issue our Consumer Credit Licence in respect of Mortgages & Loans; and otherwise do a similar job to the FSA. Text Box: Financial Services Compensation Scheme: is funded by all participant businesses to provide financial compensation in the event of us going out of business or providing you with the wrong financial advice. Text Box: Information Commissioner’s Office: administer the protection of confidential information in accordance with the Data Protection Act 1998. We will only use your information for its proper and intended purpose of helping you in our professional capacity. Text Box: Financial Ombudsman Service: help settle disputes between financial service businesses and their customers. They are not a regulatory watchdog, trade body, or consumer champion. They are simply an independent adjudicator to give both sides a fair hearing, and provide an impartial resolution.

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Terms of Business